Jul 07 2025 15:00

Summer in Full Swing: What June and July Mean for Your Insurance in California

As summer arrives in California, so do new adventures—and new insurance needs. Here’s what to consider this season.

June and July are the heart of summer in California. With longer days, rising temperatures, and school breaks, these months bring a mix of fun, travel, and sometimes unpredictable challenges. Whether you're planning road trips, hosting outdoor events, or simply enjoying the sunshine, it’s important to make sure your insurance coverage is summer-ready.

1. Auto Insurance: Road Trip Season is Here

California's highways—from Highway 1 to I-5—get busier during the summer as families and friends head out for road trips. More cars on the road mean a higher chance of accidents, so it’s crucial to:

  • Check your liability limits to ensure you're adequately protected.

  • Consider comprehensive and collision coverage if you’ll be driving more than usual or parking in unfamiliar areas.

  • Review roadside assistance options, especially if you’re traveling to remote areas or national parks.

2. Homeowners and Renters Insurance: Wildfire Awareness

June and July mark the beginning of wildfire season in many parts of California. Hot, dry conditions can turn even a small spark into a major threat. Be prepared by:

  • Reviewing your dwelling and personal property coverage limits.

  • Confirming coverage for additional living expenses (ALE) in case you need to evacuate.

  • Creating a home inventory of valuable items.

Pro Tip: Make sure your insurance includes replacement cost coverage, not just actual cash value.

3. Travel Insurance: Cover Your Summer Vacations

If you're flying out of state or out of the country this summer, travel insurance can provide peace of mind. Consider policies that cover:

  • Trip cancellations or delays

  • Medical emergencies abroad

  • Lost luggage or travel documents

Many travel policies are affordable and can save you thousands if something goes wrong.

4. Boat and Recreational Vehicle (RV) Insurance

With lakes and campgrounds calling, more Californians are using boats and RVs in June and July. Don’t forget that:

  • Boats and RVs require their own policies(your auto or homeowners policy may not cover them).

  • You’ll want protection for liability, physical damage, and theft.

5. Liability Coverage for Summer Gatherings

Hosting a backyard BBQ, pool party, or 4th of July celebration? Accidents can happen, especially with guests, kids, or alcohol involved. Make sure your homeowners or renters insurance includes personal liability coverage —and consider an umbrella policy for extra peace of mind.

Final Thoughts: Let Summer Be Carefree, Not Careless

The joy of summer should be spent outdoors, not worrying about the “what-ifs.” Now is the perfect time to review your insurance policies, make updates, and speak with your agent to ensure you’re fully protected for everything June and July bring.

 

If you have questions or want to explore your coverage options, we’re here to help. Contact us today for a free insurance review.